NatWest Bank Credit Card
Representative APR
12.9% APR (variable)
Purchases
12.90% (variable) p.a.
Balance Transfers
12.90% (variable) p.a. (no fee)
Account Fees
£0
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 12.90% (variable) p.a., most accepted customers get a rate of 12.9% APR (variable).
Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.
Our Verdict
The NatWest credit card offers a low interest rate with no annual fees. It is suitable for individuals seeking a straightforward credit card option to manage their spending cost effectively.
Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.
Product Features & Benefits
Issuer | NatWest Bank |
---|---|
Network | Mastercard |
Primary Category | Purchases |
Loyalty Scheme | |
Incentive on opening | No annual fees |
Cashback/Rewards (if applicable) | No cashback scheme |
Account Fee | £0 |
Purchases | 12.90% (variable) p.a. |
Purchases Interest Free Period | 56 days |
Balance Transfers | 12.90% (variable) p.a. (no fee) |
Balance Transfer Fee | 0.00% |
Cash Advances | 26.90% (variable) p.a. (fees apply) |
Minimum Credit Limit | £ 250.00 |
Maximum Credit Limit | Subject To Status |
Fees & Charges
Account Fee | £0 |
---|---|
Late Payment | £ 12 |
Returned Payment | £ 10 |
Exceed Limit | £ 12 |
Duplicate Statement | £ 3 |
Replacement Card | £ 0 |
Trace Fee | £ 0 |
Cash Withdrawal Fee | 3% |
Cash Withdrawal Minimum Charge | £ 3 |
Foreign Usage EU | 0% |
Foreign Usage World | 0% |
Application Requirements
Availability | Available to new customers. |
---|---|
Minimum Income | £ 10,000 |
Minimum Age | 18 |
Residency | Permanent resident in the UK. |

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34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.